401(k) Calculator
Calculate how much your 401(k) will be worth at retirement, including employer matching and compound growth.
Employer Match
Example: 50% means employer adds $0.50 for every $1 you contribute
Example: Match up to 6% means employer only matches your first 6% contribution
Projected 401(k) at Retirement
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Years Until Retirement
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Total You Contributed
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Total Employer Match
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Growth Breakdown
Starting Balance
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Your Total Contributions
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Employer Total Match
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Investment Growth
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Annual Breakdown
First Year Contribution
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First Year Employer Match
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Free Money from Employer (Total)
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Retirement Income Estimate
Monthly Withdrawal (4% rule)
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Annual Withdrawal (4% rule)
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Year-by-Year Projection
| Age | Contributions | Employer Match | Balance |
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401(k) Guide
2026 401(k) Contribution Limits
- Under 50: $23,500 maximum
- 50 and older: $31,000 maximum (includes $7,500 catch-up)
- Total limit (you + employer): $70,000
These limits increase most years with inflation adjustments.
Don't Leave Free Money on the Table!
Employer matching is free money. A typical match:
"50% match up to 6%" means:
- You contribute 6% of salary ($4,500 on $75k)
- Employer adds 50% of that = $2,250
- That's a 50% instant return on your money!
Always contribute at least enough to get the full employer match.
Traditional vs Roth 401(k)
Traditional 401(k):
- Contributions reduce taxable income now
- Pay taxes when you withdraw in retirement
- Best if you expect lower tax bracket in retirement
Roth 401(k):
- Contributions are after-tax (no deduction now)
- Withdrawals in retirement are tax-free
- Best if you expect higher taxes later
Important Rules
- Early withdrawal penalty: 10% penalty + taxes if withdrawn before 59½
- Required Minimum Distributions: Must start withdrawing at age 73
- Vesting schedules: Employer matches may vest over 3-6 years
- Loans: Some plans allow loans up to 50% of balance (max $50k)
- Job change: You can rollover to new employer 401k or IRA